JW DESIGN CONCEPT
ActiveThe computed 12-month bankruptcy probability of JW DESIGN CONCEPT is 2.5% (moderate). The 2025 annual accounts show equity of €115k and a net result of €116k. Equity is growing by ~87.4% per year across the filed fiscal years. Its solvency ranks better than 14% of 27446 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency10▼-23
Growth78▲+46
Stability94
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.65 against 0.23 in 2024), and 89.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.6%
Return on assets
10.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 27446 sector peers (2025).
NBB · sector comparisonPosition among 27446 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k
2024 · €-702
2023: €42k
2024: €-702
2023 → 2025
Total assets
€1.09M▲ 4.9%
2024 · €1.04M
2023: €472k
2024: €1.04M
2023 → 2025
Net result
€116k
2024 · €-43k
2023: €12k
2024: €-43k
2023 → 2025
Working capital
€-103k▲ 55.5%
2024 · €-230k
2023: €-165k
2024: €-230k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€42k-€-702€115k
Operating result€21k-€-15k€182k
Net result€12k-€-43k€116k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €182k after a loss of €15k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€895k▼ 7.7%
Current assets
€193k▲ 185%
Equity and liabilities €1.09M
Equity
€115k
Debt
€972k
Debt finances 89.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€264k▲
2024 · €67k
Cash flow
€197k▲
2024 · €39k
Solvency
10.6%▲
2024 · -0.1%
Current ratio
0.65▲
2024 · 0.23
Quick ratio
0.65▲
2024 · 0.21
Debt / equity
8.46
ROE
100.6%
ROA
10.6%▲
2024 · -4.1%
Interest coverage
6.68▲
2024 · 2.46
Debt
€972k▼
2024 · €1.04M
Debt ≤ 1 year
€295k▼
2024 · €298k
Debt > 1 year
€677k▼
2024 · €740k
Income taxes
€27k▲
2024 · €741
Staff costs
€133k▲
2024 · €130k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.04M€1.09M▲
Fixed assets21/28€969k€895k▼
Intangible fixed assets21€1k€1k▼
Tangible fixed assets22/27€965k€891k▼
Land and buildings22€593k€569k▼
Plant, machinery and equipment23€330k€292k▼
Furniture and vehicles24€42k€30k▼
Financial fixed assets28€3k€3k=
Current assets29/58€68k€193k▲
Stocks and contracts in progress3€4k€2k▼
Stocks30/36€4k€2k▼
Amounts receivable within one year40/41€59k€186k▲
Trade receivables40€28k€48k▲
Other amounts receivable41€31k€137k▲
Cash at bank and in hand54/58€0€2k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.09M▲
Equity10/15€-702€115k▲
Contributions10/11€30k€30k=
Profit (loss) carried forward14€-31k€85k▲
Amounts payable17/49€1.04M€972k▼
Amounts payable after more than one year17€740k€677k▼
Financial debts170/4€740k€677k▼
Amounts payable within one year42/48€298k€295k▼
Current portion of amounts payable after more than one year42€59k€71k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€123k€160k▲
Suppliers440/4€123k€160k▲
Taxes, remuneration and social security45€18k€62k▲
Taxes450/3€3k€35k▲
Remuneration and social security454/9€15k€27k▲
Other amounts payable47/48€96k-
Income statement
Code20242025
Remuneration, social security and pensions62€130k€133k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€82k▲
Other operating charges640/8€5k€8k▲
Non-recurring operating charges66A€9k-
Gross operating margin9900€211k€405k▲
Operating profit (loss)9901€-15k€182k▲
Financial income75/76B€2€353▲
Recurring financial income75€2€353▲
Financial charges65/66B€27k€40k▲
Recurring financial charges65€27k€40k▲
Profit (loss) for the period before taxes9903€-42k€143k▲
Income taxes67/77€741€27k▲
Profit (loss) for the period9904€-43k€116k▲
Profit (loss) for the period to be appropriated9905€-43k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€85k▲
Profit (loss) brought forward from the previous period14P€12k€-31k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €116k
Net result €116k after one loss-making year.
31-12
Financial
Equity above €100kEq €115k
Equity rises from €-702 to €115k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-43k ▼459%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oupeye · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Passage d'Eau 14681 OupeyeGround area
2,768 m²
Building footprint
508 m²
Parcel 62049B0390/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
JS WARNIER – JUST WORKOUT – JUST WELLNESS
since 20232.343.188.715
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62049B0390/00R000 | Wallonia | 2,768 m² | 1 · 508 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOupeye2.343.188.715
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Of 7,817 companies in sector 43341 we hold annual accounts for 2,639. 2,209 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2023
Fiscal year end31-12
Abbreviation FR
JW-DC
Activities, NACEBEL
43341Painting of buildings
43350Other building finishing work
47639Retail sale of other sporting goods
47640Retail trade
74104Other professional, scientific and technical activities
74130Interior design
85510Sports and recreation education
93110Operation of sports facilities
96040Personal service activities
96230Day spas, saunas and steam baths
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.